American Integrity Insurance Group has launched a new commercial residential property program in Florida, marking a significant expansion in the state’s insurance market. The main keyword, American Integrity Insurance Group, is central to this development as the company aims to address the specific needs of condominium, townhome, and homeowners associations across Florida.
American Integrity Insurance Group Expands Coverage in Florida
American Integrity Insurance Group (NYSE: AII) announced the introduction of its commercial residential property program on October 1, 2025, according to an official press release published on Business Wire. The program is designed for Florida condominium associations, townhome associations, and residential homeowners associations.
This move follows the company’s recent Initial Public Offering and reflects its financial growth and stability. Company leadership stated that the program was developed to provide reliable protection in a state known for complex insurance challenges, especially related to weather risks. Notably, some Florida insurers have recently proposed historic rate cuts for homeowners, signaling a shift in the market landscape and potential benefits for associations seeking coverage.
Key Features of the Commercial Residential Property Program
The new offering from American Integrity Insurance Group includes several features aimed at supporting community associations throughout Florida. These features are intended to offer confidence and stability to property managers and residents alike.
- Broad, Flexible Coverage: The program insures buildings, common areas, and association-owned property.
- Catastrophe Protection: Coverage is supported by a robust reinsurance program, designed to withstand active hurricane seasons.
- Specialized Risk Solutions: Underwriting is tailored for the unique risks faced by Florida community associations.
- Financial Strength: American Integrity holds an “A” (Exceptional) rating from Demotech and a BBB+ rating from KBRA.
Addressing Florida’s Unique Insurance Needs
Florida’s insurance market is shaped by frequent hurricanes, high property values, and evolving regulatory requirements. According to American Integrity Insurance Group, the new program was developed with these factors in mind. The company’s leadership emphasized the importance of stability and reliable coverage for associations managing residential communities. This comes at a time when property insurance companies in Florida are seeing profits surge, reflecting a changing financial environment for both insurers and policyholders.
Jon Ritchie, President of American Integrity, stated in the official release that the program reinforces the insurer’s commitment to Florida communities and its role as a stable provider in a changing market.
Focus on Condominium, Townhome, and Homeowners Associations
The commercial residential property program specifically targets:
- Condominium Associations
- Townhome Associations
- Homeowners Associations (HOAs)
Patrick Madigan, Senior Vice President of Underwriting, noted that the product was built with Florida associations in mind, aiming to deliver peace of mind and stability for residents and property managers.
Financial Strength and Recent Developments
American Integrity Insurance Group has demonstrated financial growth, highlighted by its successful IPO earlier in 2025. The company’s financial ratings, including “A” (Exceptional) from Demotech and BBB+ from KBRA, support its ability to underwrite large-scale association risks.
In September 2025, American Integrity was added to several key indices, such as the S&P Global BMI Index and various Russell Indexes, further signaling its growing presence in the insurance sector. However, it is important for associations to remain vigilant, as some Florida insurance companies have been fined for mishandling disaster claims, highlighting the need for reliable and transparent providers.
Industry Recognition and Market Position
American Integrity Insurance Group is recognized as a leading provider of residential property insurance in the Southeast. The company was founded in 2006 and is headquartered in Tampa, Florida. Its recent expansion into commercial residential property insurance is intended to strengthen its role in the state’s insurance landscape.
According to company officials, the new program is part of a broader strategy to serve the evolving needs of Florida’s residential communities, especially as weather-related risks remain a primary concern for property owners and associations.
Program Availability and Eligibility
The commercial residential property program is available to eligible condominium, townhome, and homeowners associations throughout Florida. Associations interested in coverage can contact American Integrity Insurance Group for more information on program details and underwriting requirements.
For further details, visit the company’s official website at www.aii.com or refer to the official press release on Business Wire.
Frequently Asked Questions About American Integrity Insurance Group
What is the new commercial residential property program from American Integrity Insurance Group?
American Integrity Insurance Group’s new program offers insurance coverage for buildings, common areas, and association-owned property for condominium, townhome, and homeowners associations in Florida. It is designed to address the unique risks faced by these communities, including hurricane and weather events.
How much coverage does American Integrity Insurance Group provide for associations?
The program provides flexible coverage options based on the needs of each association. Coverage includes protection for property, common areas, and additional options for catastrophe risks, according to the company’s official materials.
Are there eligibility requirements for Florida associations to join the program?
Yes, condominium associations, townhome associations, and homeowners associations in Florida may be eligible. Associations should contact American Integrity Insurance Group directly to determine specific eligibility and underwriting requirements.
Can you get catastrophe protection with American Integrity Insurance Group’s new program?
Yes, the program includes catastrophe protection backed by a strong reinsurance program. This is intended to provide resilience during active hurricane seasons and other severe weather events in Florida.
Where are American Integrity Insurance Group’s services available?
The new commercial residential property program is available throughout Florida. The company is headquartered in Tampa and serves residential communities across the state.
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